Kotak Air Credit Card

2 domestic visits/quarter

0 international visits/quarter

Primary cardholders only — add-on cardholders get none. Four complimentary domestic lounge visits a year, capped at 2 per calendar quarter, and every visit is conditional: the cardholder must have spent ₹60,000 or more in the previous calendar quarter to unlock access in the next one. A new cardholder therefore has no lounge access in their first quarter, and a quarter under ₹60,000 costs the following quarter's visits. A ₹2 validation charge is levied on the card for each domestic visit. No international lounge access.

1% fuel surcharge waiver at petrol pumps across India on transactions between ₹500 and ₹5,000, capped at ₹3,500 in an anniversary year. No Air Miles accrue on fuel transactions at all — fuel MCCs 5172, 5541, 5542, 5552 and 5983 are on the card's exclusion list — so the waiver is the only fuel benefit.

1,000 bonus Air Miles

Credited within 120 days of card issuance and only on payment of the joining fee.

1,000 bonus Air Miles on completion of each anniversary year

Credited within 30 days of annual fee payment.

A recurring benefit rather than a fee waiver: 1,000 Air Miles are credited within 30 days of paying the ₹999 annual fee each anniversary year. At 1 Air Mile = ₹1 on Kotak Unbox travel that is ₹1,000 against a ₹999 fee, so the renewal benefit alone roughly covers the fee — but only if the fee is actually paid. Cardholders who clear the ₹2.5 lakh spend-based waiver save the fee and forgo the 1,000 Air Miles, which is close to a wash; the waiver wins on the fee's GST.